Mitchell Galloway, SPC Branch Manager was honored recently as a hometown hero by having his high school footballjersey retired. Mitchell along with ﬁ ve other former Marlboro County football players had their jerseys retired and theirnumbers placed in honor at the Pee Dee Football Classic Jamboree held in August. Mitchell had an outstanding high school football career as a receiver, running back and defensive back. He continued hiscareer at East Carolina University and eventually went on to play professionally for the Buffalo Bills. Mitchell returned to his hometown of Bennettsville, SC where he served as a volunteer assistant at Marlboro County High prior to becoming Branch Manager of the SPC Bennettsville Ofﬁce. He continues to show his “Hometown Spirit” through his community involvement and volunteer efforts with youth.

If you know an SPC member that shows their “Hometown Spirit,” nominate them for the Hometown Hero spotlight by e-mailing Linda Weatherford at lhweatherford@spccu.org.

Lowe’s Gift Card Winners

Congratulations to Scott & Christina Batts, the winners of a $1000 Lowe’s Gift Card, in the 2nd Quarter SPC Home Equity Giveaway. Members who took advantage of SPC’s low home equity rates during the period were automatically entered for a chance to win. “I am still amazed that we won! This couldn’t have come at a better time. We had a few things we wanted to do and with this gift card, they can be handled plus some,” said Christi Batts. If you would like more information about an SPC home equity loan, contact a member of our mortgage loan department at 843-332-4506.

Fee Change For Insufﬁcient Funds

Effective November 1, 2008, the fee for insufﬁcient funds and courtesy pay overdraft privilege will increase to $30.00 per item.

New Hours For Sonoco Branch

Effective: September 1, 2008

8:30 am – 5:00 pm

Monday – Friday 1:15 pm – 2:15 pm

Closed for Lunch

New Darlington Branch Phone Number:

843-393-4225

Glide Into The Holidays With Extra Cash From Your SPC VISA™ For the Life of the Balance

The holidays are coming, and we want you to celebrate with fewer worries and more cash in your wallet! Take an action packed winter vacation, visit family during the holidays, transfer or consolidate other high-rate balances. Whatever your plans are, SPC can put extra cash at your ﬁ ngertips with VISA Convenience Checks. It’s simple! Use the VISA Convenience Checks to make purchases anywhere that accepts personal checks, or use them to pay off those high-rate loan and credit card balances. You’ll save no matter how you use them because they carry a low 5.99% APR.* for the life of the balance!

This special offer is available from October 1 through December 31, 2008. Look for convenience checks in your mailbox or contact an SPC MSR for more information.

*Annual Percentage Rate. This APR is the credit union’s balance transfer rate for the period of October 1 - December 31, 2008. Qualiﬁcation is based on an assessment of individual credit worthiness and our underwriting standards. Transfer rate applies to convenience check transactions only. Convenience checks cannot be used to payoff existing SPC credit card or loan balance. Checks are treated as cash advances according to the terms and conditions of your credit card agreement.

Researching or Purchasing A New Vehicle Just Got Easier

AutoSMART is an easy-to-use internet tool that gives information and tips on car buying. Unlike other car buying websites, AutoSMART will connect you with the dealers that your credit union has partnered with to get you a great deal on your next vehicle. By connecting you with the CUDL AutoSMART dealers your credit union has partnered with, they are working hard to give you the additional peace-of-mind you expect as you shop for your next new or pre-owned vehicle. At AutoSMART you can ﬁnd:

Comparison Charts to see how vehicles measure up with each other on features, fuel economy, cargo capacity and a whole list of other speciﬁcations including number of cup holders, speakers, and seating.

A printable “Pocket Auto Buying Checklist” to take when you decide to visit the dealer lot to make a purchase.

Payment Calculators – to see how much car you can afford

Tips on Understanding Your Credit Score

Articles on Buying vs. Leasing and Pre-Owned vs. Lease

And lots more! You can access AutoSMART by clicking on the “CUDL AutoSMART Logo” on the SPCCU.ORG homepage.

Housing Counseling Services From ACCEL

Tenants, homeowners and future home purchasers have a lot to lose if their ﬁ nances get out-of control – and a lot to gain from taking best personal ﬁ nance practices to heart. ACCEL Members Financial Counseling Services, offered by SPC Credit Union, have HUD-approved counselors that are knowledgeable and extremely helpful in assisting members who are behind on payments, preparing to buy a home, or considering loans or mortgage products. Housing issues don’t have to be intimidating. Get the support you need from SPC and ACCEL’s capable, knowledgeable and compassionate counselors. ACCEL Offers:

Street-smart drivers are turning to MEMBERS’S CHOICE Mechanical Repair Coverage. It helps protect against many of the costly repairs no longer covered by the manufacturer’s warranty. They can be expensive—up to thousands of dollars—and the risk is likely to increase as vehicle miles add up. Equip your car with MEMBER’S CHOICE Mechanical Repair Coverage.

Coverage for any eligible vehicle—new or used 10 years old or newer with less than 100,000 miles.

Pays for parts and labor for covered repairs

Vehicles are eligible even when purchased from a private party

Fits every budget and need

Liberal term and mileage eligibility requirements ranging from 12 months to 84 months • Choice of protection and deductible options with a plan to ﬁt almost any driver

Convenient and comprehensive

Hassle-free claims—payments made directly to any authorized repair facility

24-hour roadside assistance

Emergency travel expense reimbursement

Rental reimbursement

Happy Credit Union Day 2008

Please Join Us For International Credit Union Day

Thursday, October 16, 2008

Prizes & Refreshments* at all SPC locations

(*While supplies last.)

Holiday Pictures

Back for another year, the SPC Community Service Group is offering Holiday Pictures. Funds raised from the sale of pictures will beneﬁt the McLeod Children’s Hospital. Packages, including Christmas Cards, will be available. Appointments for this very popular fundraiser fill quickly, so call early for your time.